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Petersen, Hutson, Smith - Wealth Advisors of Raymond James

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Battle Creek, MI
Petersen, Hutson, Smith - Wealth Advisors of Raymond James

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Over 65 years of combined experience in wealth management and financial planning.

Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC. Investment advisory services offered through Raymond James Financial Services Advisors, Inc. Important Disclosure Information: http://raymondjames.com/smicd.htm

Petersen, Hutson, Smith - Wealth Advisors is not a registered broker/dealer and is independent of Raymond James Financial Services.

10/31/2026

Yesterday, we took Halloween in a new direction and decided to all dress like one of our more "eclectically" dressed advisors, Tim. Boots, cargo shorts, and bright colors seemed to be some of the common themes. If you know Tim, you know these outfits are not much of an exaggeration...Happy Halloween!

10/16/2026

FFF: The average investor often earns lower returns than the market itself—not because of bad investments, but because of emotions. Studies have shown that people tend to buy when prices are high (excitement) and sell when prices are low (fear), which hurts long-term performance.

The biggest threat to your investments isn't the market—it's often your own reaction to it. Staying disciplined can make a big difference!

10/02/2026

FFF: The U.S. Dollar Has Lost Over 95% of Its Value Since 1913

When the Federal Reserve was established in 1913, $1 could buy what roughly $30–$35 buys today.

Inflation gradually reduces purchasing power, which is why long-term investors focus on growing wealth faster than inflation.

Example:
New car in 1925: ~$300–$500
New car today: ~$40,000+

This is one reason why simply saving cash for decades can be risky.

09/18/2026

FFF: IRA vs. Roth IRA — Simple Breakdown

Traditional IRA = "Tax later"

Roth IRA = "Tax now, enjoy later"

Quick Example

Traditional IRA: You save on taxes today, but pay taxes when you withdraw in retirement.

Roth IRA: You pay taxes today, but your withdrawals later are completely tax-free.

If you're early in your career or think your income will grow, a Roth IRA is often very attractive because you lock in today's lower tax rate.

09/04/2026

FFF: Inheritance

Roughly 70% of family wealth is lost by the second generation, and about 90% is gone by the third.

It's usually not because of bad investments—but because of lack of financial education, planning, and communication within families.

Inheritance isn't just about passing down money. It's about passing down knowledge and habits to help it last.

08/28/2026

Fun Fact Friday!

Research in behavioral finance shows people often:
Feel losses twice as strongly as gains
Overestimate recent trends
Spend differently depending on how money is labeled

For example:
A tax refund often gets spent.
A paycheck often gets budgeted.

Even though both dollars are worth exactly the same amount.

08/18/2026

Another great golf outing in the books! ⛳️

Thank you to everyone who came out . We appreciated spending time with you, sharing some laughs, and getting away from the office for a day on the course. Looking forward to next year!

08/14/2026

Fun Fact Friday for a Young Adult Starting Work: If you invest just $100 a month starting at age 22, you could have more money by retirement than someone who waits until 32 and invests twice as much every month.

Why? That extra 10 years gives your money more time to grow through compounding. When you're young, it's not about investing big—it's about starting early. Even small amounts can turn into something powerful over time.

07/31/2026

Fun Fact Friday: Historically, many IPO stocks have a big "first-day pop". Some companies have seen their stock price rise 20%, 50%, or even more on day one!

However, long-term, many IPOs don't outperform the broader market, especially if they were overhyped at launch. IPOs can be exciting, but hype doesn't always equal long-term success—steady investing often wins in the end.

07/17/2026

Fun Fact Friday: The stock market is the only store where people run out screaming when things go on sale.

Address

25 W Michigan Avenue, Suite 240
Battle Creek, MI
49007

Opening Hours

Monday	8am - 5pm
Tuesday	8am - 5pm
Wednesday	8am - 5pm
Thursday	8am - 5pm
Friday	8am - 4pm

Telephone

+12699243080

Website

https://www.raymondjames.com/phsteam

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